# BANNER BANK
WALLA WALLA, WA · FDIC certificate 28489 · asset band $10-100B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $16.59B | |
| Deposits | $13.89B | |
| Loans and leases | $12.02B | |
| Total equity | $1.98B | |
| Loans / deposits | 85.41% (p49 of band) | 85.78% |
| Liquid assets / assets | 20.39% (p40 of band) | |
| Uninsured deposits / deposits | 32.49% (p36 of band) | 38.39% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 2.62% (p20 of band) | |
| FHLB advances / assets | 1.93% | |
| Tier 1 leverage | 11.15% (p77 of band) | 10.17% |
| Unrealized securities loss / equity | -20.21% (p12 of band) | -7.43% |
| AOCI / equity | -0.05% (p70 of band) | |
| ROA (annualized) | 1.31% (p56 of band) | 1.24% |
| Net interest margin | 4.11% (p81 of band) | 3.57% |
| Efficiency ratio | 60.03% (p73 of band) | |
| Noncurrent loans | 0.46% (p27 of band) | 0.66% |
| Net charge-offs (annualized) | 0.02% (p17 of band) | |
| Reserve coverage of noncurrent | 295.22% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 85.87% (p98 of band) | |
| Auto loans | $2.2M (0.02% of loans; DQ 0.18%, NCO 0.00%) | |
| Loans to nondepository financials | $27.2M (1% of equity) (p28 of band) | |
| Deposits YoY | 2.1% | |
| Employees | 1896 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 0 |  | losing money, reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | capital falling |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | capital falling |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 1 | capital falling |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 0 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 4 | deposits shrinking, assets shrinking |  |
| 2023-03 | 3 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | uninsured deposits leaving | assets shrinking |
| 2023-09 | 4 | assets shrinking |  |
| 2023-12 | 0 |  | securities losses >30% of equity, deposits shrinking, uninsured deposits leaving, assets shrinking |
| 2024-03 | 1 | securities losses >30% of equity |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | securities losses >30% of equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-01 [Washington bank Banner to buy Pacific Financial for $177M - Banking Dive](https://news.google.com/rss/articles/CBMingFBVV95cUxNc3lqdE52VmlTQl94NTNQSXppV0luVUh0aHduN0JncWFkakJiOHVQckJidWlsUFQzSFFFQXJYemRtZUUyQVNKZlRpVjd1X2ZFTFR0clFCR3c1cDFqNGxkNFpNaUF3U3RoNEwwQlhlOFYxYTN6ZVdLWUJWei03LVNMMGlGVUJDVGluN3lfc0NSZWNneXN4TTBvVFZYUGROQQ?oc=5) · Banking Dive
- 2026-05-05 [Banner Bank parent acquires WA commercial bank - Tri-Cities Area Journal of Business](https://news.google.com/rss/articles/CBMimAFBVV95cUxQRmY0SkhJMjNlSlRQQWktTndpSDZ4UkxZbnZ6MzI3NVpnQmdUNmlqTllfOHFrZVpHOGJvOFhXUUFNWnRmaDdxaURreVkzTnJRQ2YyTTRucEZYN3NYb3cxeDdMR3liSWZhbUZmNVROX1N5X3JvOXRXUWx5bk41LWlGRG1OSVV6YnhfMmJFak9kNEJFSzFHVmxfdQ?oc=5) · Tri-Cities Area Journal of Business
- 2026-08-10 [Forbes Names Banner Bank the #1 Bank in California - Business Wire](https://news.google.com/rss/articles/CBMiqgFBVV95cUxOYUlzQV9aNUdxVDZjNi1tMWpRN2NnUERpaXV0TTRwSUt1SmhCaEJrTzNYVGhOU0FvaHZCelZRbWxqNmdPQXF3RXFWX25GQWlHS2pkRW9JeFVoSjZhU3J0RzJHRlJVNkZ4clhLTjNUenJCWmduMFVCc3hFbG9QWW12enMyeWNmNmlDaGRLTE1razdYRWt6bWJxam9DRGQ5YnVRYTFmM2hxai1oUQ?oc=5) · Business Wire
- 2026-07-22 [Banner Bank (NASDAQ:BANR) Reports Sales Below Analyst Estimates In Q2 CY2026 Earnings - StockStory](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPRFBoc3pEUkpEY25VUnlLeTZvYkFoNHV1djR3Q1dfZVcxS3RidXFCcEZHZS1MSUliNFJXUVpaUjdWQWhELUxUQUpuNGRCZGdLT2RtOHR4SFpDU1dzNUZTM2RwYzBNZTFndmFSRlA4S0FIdndNb3htZ1NWNWlIRWdTTFozSUtxVVRfYWVoZDBkLXhOaTBkcUh1cDg3aVRyVEpUM183VUJqWWtzbHlPNUJGdFlUSHpHMFpRZFdNNkk4TXhyLTF6aElldjVtZ1ZCTE5wTW5uWjg1a3Q?oc=5) · StockStory
- 2026-05-01 [Banner To Acquire Pacific Financial Corporation In $177 Million All-Stock Transaction - Pulse 2.0](https://news.google.com/rss/articles/CBMipwFBVV95cUxObHF2amZuSDBwdHp2VUZ1YVRwMTY1MWZMSzlvY0l5cXE3NTBqeHlHZmdjZ2NEeHlxY1ZETDM0VUVfbHg4N214LXg1Zmp0M0xObTRyWmhaM0kxWFh4M0FuMnRoOFIxNVdBdjVndVdMUFhNMkhqaHc1TzVPdUxwQzEtTnNoSERzaFdnOXRDanplU2RHUmQyOXZJeWtGR05jVUVUTk41U1Rna9IBrAFBVV95cUxPQlNPcjJ4OUM0aFd1dzFJMXV3ZHh2bWFZTlkwTFg4N3kwcDdyVWlpWDZHLXo3c3doZTdHMkpXQ3hTS01tSzIyZk9MbTlXbGpxVXIxVVRYTU5Ga1pvUEEwVFRDMW1Bc0V0R2FURGVMYW5KbGxtMUFvSnQyNXBteWJTVTVrbmY5eGJLcHREMjM4QXdZd3NOWW5WQ2NLM3U0WHRFTHZ0b0ZremRCRGhO?oc=5) · Pulse 2.0
- 2026-07-28 [Banner Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMia0FVX3lxTFB1bTB3blBNbVQ4Zm9NdDJ5Z01oLU5JOVV1QUhEa0ptcEo0ZndXQkZpR1R1VzNqcDFRTEdjSmdOYmI3UktGZzB4MHJMcDhFSEoyZXJVR0dKS18zQkxUZmt4Z0g0Y3FUTUVGYk9F?oc=5) · reveliolabs.com
- 2026-05-04 [Banner Bank to acquire Aberdeen-based Pacific Financial in $177 million deal - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOVkplaElUa1lvWHpUQ1BuRVJDenhZUHFOSExxMUIzMU9Ec0JGbm9HTldhdEpqbW44T1lJbHZLNXJkMkt5Yk1rck5sem9uS29CQVh1bHBOUVREZENHVFlNeUxBQU16dUhUZzRIREZoaVhLSm1TTkpfRHZHUnd4TXdPQUJ1dEwyZGw4T0hYSzR4ejBob0VpLTJHanNzMnJGcFNnOUc1eEZPSXQ?oc=5) · The Business Journals
- 2026-05-01 [Banner to Acquire Pacific Financial in $177 Million All-Stock Deal - citybiz](https://news.google.com/rss/articles/CBMipwFBVV95cUxQWWtTWGxTUGw2b0NuV1JMY0pUNHpBV04wYWZxcHBZSXAyVVhwYzhEQ21PaWgwQ2lNZGR6MFJxOHVtblduM090UnpYbHU3b0g2UzhnQXpJZUN1dnJOSENjUm03ODE0SGgtUEtHdkc5VVpkdU5wNnQyaGFhandJSmVCM0xBeFpSZTh6RmNSQkdNNWVUWU1ndVR0SVVjUnlOc2RHZ05lWTNvWQ?oc=5) · citybiz

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28489 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/9.json (key "28489", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide